Progressive vs. Travelers: Which Has Cheaper Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Key Takeaways

  • Progressive has lower rates for young drivers
  • Travelers has cheaper rates for drivers between 25 and 35 years of age
  • Progressive is more punitive on those with an accident on their driving record, but easier on a driver with a DUI
  • Both Travelers and Progressive have modest rates for those with fair or bad credit

You have a lot of choices when it comes to auto insurance companies, and comparing them side by side will help you narrow down your options.

To see which one best suits your needs, we will look at the pros and cons of Progressive vs. Travelers car insurance companies.

Which company will provide the best and cheapest car insurance for you? We’ll compare rates, discounts, financial ratings, and customer satisfaction ratings to help you answer that question.

Keep reading to compare affordable Progressive vs. Travelers car insurance quotes, or enter your ZIP code to compare multiple companies in your area.

Is Travelers car insurance or Progressive car insurance cheaper based on age?

Generally, the more experience driving we have, the better drivers we become. This is why car insurance companies take your age into account when setting your rates.

Sometimes, insurance companies will also base your car insurance rates on your gender and/or marital status, though several states have outlawed this practice.

Progressive vs. Travelers Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusTravelers Average Annual RatesProgressive Average Annual Rates
Single 17-year-old female$9,307$8,690
Single 17-year-old male$12,851$9,625
Single 25-year-old female$2,325$2,698
Single 25-year-old male$2,491$2,759
Married 35-year-old female$2,179$2,297
Married 35-year-old male$2,200$2,175
Married 60-year-old female$2,052$1,991
Married 60-year-old male$2,074$2,049
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Progressive’s rates for young drivers are seven to 25% lower than Travelers’. On the other hand, car insurance rates for drivers 25 to 35 from Progressive are 11% to 16% more expensive than rates from Travelers for this age group.

For drivers over 35, Progressive’s rates and Travelers’ rates are fairly competitive.

So when it comes to affordable Travelers car insurance vs. affordable Progressive insurance, expect to pay lower rates with Progressive if you have a teen driver in your household.

Is Travelers car insurance or Progressive car insurance cheaper based on driving record?

Speeding tickets, accidents, DUIs, and other traffic violations will increase your car insurance rates no matter which company you choose.

Progressive vs. Travelers Average Annual Car Insurance Rates by Driving Record
Driving RecordTravelers Average Annual RatesProgressive Average Annual Rates
Clean record$3,448$3,393
With one speeding violation$4,261$4,002
With one accident$4,290$4,777
With one DUI$5,741$3,970
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Your Progressive quote will likely be lower than your Travelers quote if you have a speeding ticket or DUI on your driving record.

However, your Travelers quote will likely be cheaper than Progressive if you have an accident on your driving record.

Expect your rates to increase by 24% if you get a speeding ticket while with Travelers, but with Progressive, it would rise by only 18%. Travelers penalizes drivers the same for a speeding ticket or an accident.

However, if you were to get a speeding ticket or cause an accident while with Progressive, your rates would be almost twice as much as a driver with a clean driving record.

Progressive is a better choice if you have a DUI on your driving record. If you get a DUI infraction while with Progressive, your rates will increase by only 17%.

In the same scenario, your Travelers car insurance quote would increase by 67%.

Is Travelers car insurance or Progressive car insurance cheaper based on credit score?

Just like gender and marital status, states have begun outlawing car insurance rates based on credit score.

Your credit score is a strong reflection of your consistency with paying your bills, but the reason this practice is being outlawed is that rates quoted by insurance companies assume those with higher credit scores are better drivers, which some view as discrimination.

Progressive vs. Travelers Average Annual Car Insurance Rates by Credit History
Credit History SummaryTravelers Average Annual RatesProgressive Average Annual Rates
Good Credit (670-739)$4,059$3,629
Fair Credit Score (580-669)$4,344$3,956
Poor Credit Score (300-579)$5,160$4,738
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Progressive car insurance rates are cheaper than Travelers rates no matter what type of credit score you have.

Both Progressive and Travelers are fairly easy on drivers based on credit score. With other car insurance companies, expect to pay up to double in car insurance rates if you have a less-than-stellar credit score.

If you renew your six-month policy and you notice your rates have increased, it could be because your credit score dropped in the previous six months.

Use your Progressive login or Travelers login to make adjustments to your coverage levels, if needed, to reduce your rates.

You may live in a state, such as California or Michigan, where basing car insurance on credit score is illegal. Check out our car insurance by state page before judging Progressive vs. Travelers auto insurance rates based on credit score alone.

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Does Travelers or Progressive have better car insurance discounts?

Each company has its selling point, and sometimes that comes down to who has the best discount that applies to your specific situation.

Progressive vs. Travelers Car Insurance Discounts
DiscountsTravelers Discounts OfferedProgressive Discounts Offered
Claim Free23N/A
Continuous Coverage15N/A
Defensive Driver1010
Distant Student7N/A
Driver's Ed810
Driving Device/App3020
Early Signing10N/A
Full Payment7.5N/A
Good Student8N/A
Green Vehicle10N/A
Multiple Policies1312
Multiple Vehicles810
Newer Vehicle10N/A
On Time Payments15N/A
Online ShopperN/A7
Paperless DocumentsN/A$50
Paperless/Auto Billing3N/A
Safe Driver2331
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Travelers outdoes Progressive with nine more discounts.

Both Travelers and Progressive provide a discount for when you use their driving app or driving device. You would save 30% with Travelers and 20% with Progressive by participating in their usage-based car insurance programs.

But, if you aren’t open to usage-based car insurance, you can still save 15% to 23% with Travelers if you have made on-time payments, had continuous coverage, are claim-free, or are a safe driver.

When you call the Progressive or Travelers insurance phone number, be sure to ask about options to bundle your policies to save even more. If you are a food delivery driver, consider Travelers or Progressive commercial insurance.

Does Travelers or Progressive have better car insurance mobile apps?

Most of the top 10 car insurance companies have mobile apps to access policy information and/or make payments, along with a separate mobile app that tracks your driving habits (the aforementioned usage-based car insurance).

Usually, your Progressive insurance login or Travelers insurance login will work with both the general Travelers or Progressive app and the driving app.

How do Travelers and Progressive car insurance compare in financial strength and customer satisfaction?

Reviewing ratings from three different agencies will provide you with a good picture of how a car insurance company works with its consumers, handles complaints, and manages its finances.

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

In 2017, the national average complaint ratio was one. The lower the ratio, the better.

Progressive vs. Travelers Company Ratings
Rating AgencyTravelersProgressive
AM Best RatingN/AA+
Consumer Reports9087
NAIC Company Complaint Ratio0.090.75
NAIC Total Complaints2120
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A.M. Best does not provide a financial strength rating for Travelers, but Progressive comes in exceptionally strong.

Travelers’ customers report greater satisfaction through the claims process. Travelers also has a lower complaint ratio than Progressive. This may help you choose when deciding to buy Progressive vs. Travelers car insurance.

Now that you’ve compared Progressive vs. Travelers car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.

Frequently Asked Questions

Is Progressive or Travelers known for offering cheaper car insurance rates?

The cost of car insurance can vary depending on several factors, including your location, driving history, vehicle type, and coverage needs. While both Progressive and Travelers are reputable insurance companies, it’s difficult to determine which one consistently offers cheaper rates, as it can vary from individual to individual. It’s recommended to obtain quotes from both companies and compare them to find the best rate for your specific circumstances.

What factors contribute to the cost of car insurance rates?

Car insurance rates are determined by a variety of factors, including but not limited to:

  • Your age, gender, and marital status
  • Your driving history and record
  • The type of vehicle you own and its make, model, and year
  • Your location and the local crime rate
  • Your credit history
  • The coverage limits and deductibles you choose

How can I compare car insurance rates between Progressive and Travelers?

To compare car insurance rates between Progressive and Travelers, you can request quotes from both companies. You can visit their websites or contact their customer service to obtain personalized quotes based on your specific information. It’s important to provide accurate and consistent details to get an accurate comparison.

Are there any specific discounts or programs offered by Progressive or Travelers that may lower the insurance rates?

Both Progressive and Travelers offer various discounts and programs that can help lower car insurance rates. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, or discounts for certain safety features in your vehicle. It’s recommended to inquire with each company about the available discounts and see if you qualify for any that could potentially reduce your insurance rates.

Can I switch car insurance companies easily if I find a better rate?

Yes, it is generally easy to switch car insurance companies if you find a better rate or coverage option. Before making the switch, make sure to review the terms of your current policy, including any cancellation fees or requirements. It’s also important to have your new policy in place before canceling your current one to ensure continuous coverage.

Should I only consider price when choosing car insurance?

While price is an important factor when choosing car insurance, it’s not the only consideration. It’s crucial to evaluate the coverage options, customer service reputation, claims handling process, financial stability of the insurance company, and any additional benefits or features offered by the insurer. Consider your individual needs and preferences to make an informed decision about the best car insurance company for you.

Can I get a customized quote from Progressive and Travelers without any obligation to purchase?

Yes, both Progressive and Travelers allow you to obtain customized quotes without any obligation to purchase. You can provide your information and receive a quote based on your specific circumstances. This allows you to compare rates and coverage options before making a decision.

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